Hi ,Last Friday's market selloff caught a lot of attention.But what I found more interesting wasn't the drop itself, it was what caused it.The market fell partly because the economy was too strong. A stronger jobs report meant inflation could stay st...

Dear ,Last Friday's market drop is worth a quick explanation.The US economy actually had a decent week. Employers added 172,000 new jobs in May, and unemployment stayed low at 4.3%. On the surface, that sounds like good news.So why did stock prices f...

Hi ,For years, the investing environment was relatively straightforward: low interest rates, cheap borrowing, and a connected global economy. Most portfolios were built around that world.That world is quietly shifting.We are seeing real changes aroun...

Hey ,Blessed Tuesday!Zest here.Thanks for trying out the Retirement Income Stress Test.I created it as a simple way for people to get a clearer sense of whether they’re really on track for retirement or if there might be gaps worth paying attention t...

Hi ,Recently, I have been discussing this question with a few clients, the question people quietly avoid:“If my income stopped tomorrow, how long could my current setup realistically support me?”Not just from a savings angle. But from a lifestyle and...